ZIP Code 40214 — Louisville/Jefferson County metro government (balance), KY Demographics & Data

ZIP code 40214 covers Louisville/Jefferson County metro government (balance), KY in Jefferson County with a population of about 45,986.

At a glance, the area shows median age of 35.6 versus a U.S. median of about 38.9.

It sits in telephone area code 502; U.S. House district KY-3; the LOUISVILLE media market.

Median household income in ZIP 40214 is about $53,563 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.6%; unemployment rate near 4.0%; 22.6% of adults with a bachelor’s degree or higher (about 11.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Transportation, and Retail trade; about 7.0% of workers reporting work-from-home (about 8.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $176,700 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $799 (about 31% below the U.S. median rent ($1,163)), and owner-occupancy near 54.5% (about 11.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 40214 in Louisville/Jefferson County metro government (balance), KY, a household would need roughly $49,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,135. That is roughly in line with the local median household income ($53,563). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Louisville/Jefferson County metro government (balance), KY as Relatively High (composite score 98.3), which is among the highest nationally. The strongest component scores on US5 are flood (99.1) and wildfire (56.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Louisville/Jefferson County metro government (balance), KY show little to no average snow and around 48.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,717 for ZIP 40214 (Louisville/Jefferson County metro government (balance), KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.